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Best Medicare Supplement Plans in Nebraska 2021

Medicare Supplement plans in Nebraska, also called Medigap policies, help Medicare beneficiaries pay for healthcare costs. Medigap plans supplement Original Medicare insurance, so you have to be enrolled in Medicare Part A and Medicare Part B to qualify for Medicare Supplement insurance plans.

Medicare Supplement insurance plans in Nebraska cover the same services that Original Medicare insurance covers. Medicare pays first; Medigap policies pay second and help cover your responsibility:

  • Coinsurance
  • Copayments
  • Deductibles

Medigap plans in Nebraska do not cover services related to the following:

  • Prescription drugs
  • Dental
  • Hearing
  • Vision

If you want coverage for prescription drugs and are signing up for a Supplement instead of one of the Medicare Advantage Plans/Part C plans, you’ll need to sign up for a Medicare Part D prescription drug plan.

What are the Top 5 Medicare Supplement Plans in Nebraska?

1. Best full coverage: Plan F

Plan F has been the most popular of the Medicare Supplemental plan option in the state of Nebraska. It offers the broadest coverage to help with Original Medicare’s copayments, coinsurance and deductibles. Plan F pays for the Part B deductible, which is $203 in 2021, up from $198 in 2020.

Unfortunately, Plan F is now discontinued and only available to those who became eligible for Medicare before January 1, 2020.

2. Best comprehensive coverage: Plan G

Plan G offers the most comprehensive coverage similar to Plan F, but it’s available for those who became eligible for Medicare on Jan 1, 2020, or later.

3. Best value: Plan N

With Medicare Plan N, you pay lower premiums but incur more out-of-pocket expenses. Plan N requires a $20 copay for medical appointments and up to $50 for emergency room visits.

4. Best deductible plan: High Deductible Plan F

Effective January 1, 2021, the annual deductible for the high deductible Plan F is $2,370. This is what you will pay for your healthcare while Medicare pays its share. Once you reach this amount, this plan works like regular Plan F and will cover 100 percent of what you owe for Medicare Parts A and B.

The high deductible version of Plan F is only available to those enrolled in Medicare before Jan. 1, 2020.

5. Best for lowest premiums: High Deductible Plan G

Those who started receiving Medicare benefits on Jan. 1, 2020, or later can sign up for high deductible Plan G.

Unlike Plan F, Plan G doesn’t cover the Medicare Part B deductible. Like Plan F, you will have to reach a high deductible of $2,370 in 2021 before the plan pays your Medicare out-of-pocket costs.

What is the Best Supplemental Insurance to go with Medicare?

1. What is the most popular Medicare Supplement plan in Nebraska for 2021?

Plan F is the most popular Nebraska Medigap plan in 2021. However, it is only available for those who became eligible for Medicare coverage before January 1, 2020.

For those who started receiving Medicare on Jan. 1, 2020, or later, the most similar option is Plan G. The difference is that Plan G does not cover the Medicare Part B deductible.

2. Which plan has the best benefits in Nebraska

Plan F offers the best benefits among Medigap plans in the state of Nebraska. Unlike other Medigap supplement plans, covers the Part B deductible and Part B excess charges.

3. How do I choose the best plan?

With the slight differences between Medigap plans, your best bet is to rely on a licensed insurance agent will help you balance benefits and costs. One of our Policy Guide experts will be glad to help you sort through your budget, health history and healthcare needs.

4. Which Medigap company offers the best rates in Nebraska?

Our Policy Guides have the tools to analyze the best rates for you. Our licensed agents can provide a quote based on your info in a few short minutes. Rates vary among states and even within a state based on zip codes. If it’s time for you to enroll in Medicare or a Medigap policy, we can also help you with digital paperwork to get you set up.

What is the Average Cost for a Medicare Supplement Plan in Nebraska for 2021?

For the 68134 zip code in Omaha, Nebraska, here are the average monthly premium for a 65-year-old, nonsmoking female:

Plan F: $175.93 (range $122.28 to $228.47)

Plan G: $134.43 (range $106.29 to $181.70)

Plan N: $106.88 (range $76.89 to $134.06)

Average: $139.08

Common Nebraska Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Nebraska?

You have many options when selecting a private insurance company for your Medigap plans in the state of Nebraska. These companies are the most popular in your service area.

1. Cigna 

In 2021, Cigna received a five-star rating from Medicare, which is the highest star rating possible. Cigna’s Medicare Supplement plans have been recognized as one of the highest-rated health insurance companies for customer satisfaction according to a J.D. Powers survey. Cigna’s financial strength is rated A (Excellent) by A.M. Best.

Cigna is one of the only Medigap insurance providers to offer a 30-day money-back guarantee on their plans.

2. Aetna
Aetna’s healthcare network includes 1.2 million healthcare professionals, 690,000 primary care doctors and specialists, and over 5,700 hospitals, serving 22.1 million medical members. Aetna’s financial strength is rated A (Excellent) by A.M. Best.

In 2021, Medicare awarded Aetna an overall weighted average of 4.0 out of 5.0 stars.

3. Mutual of Omaha
Founded in our own state in 1909, Mutual of Omaha Medicare supplement plans appeals to customers because of how efficiently it pays claims. Mutual of Omaha pays 98 percent of claims within 12 hours . It also has an A.M. Best financial rating:(17) A+ (excellent) for Medicare supplement plans. In 2021, Mutual of Omaha received 2.5 stars out of a 5-star rating

When Can I Apply for a Nebraska Medicare Supplement Plan?

This one-time period to sign up for a Medicare Supplement plan in Nebraska automatically starts the month you’re 65 and enrolled in Medicare Part B. During this time, you can buy any Medigap policy, even if you have health problems.

After this initial enrollment period, a Medigap policy may be more expensive because insurers can take your health condition, including preexisting conditions, into consideration.

Please note, the Medigap open enrollment period is not the same as the Medicare Advantage open enrollment period.

At PolicyGuide, we can explain all the important deadlines, and we look forward to being the insurance agency you turn to for information about Medicare. Our friendly, knowledgeable guides will spend the time you need to feel comfortable picking the Medicare plan that will work best for you.

Which is better, Medigap Plan G or Plan N?

After Plans F and G, Medigap Plan N is the most popular Medicare Supplement plan among Nebraska residents. It has less comprehensive benefits and requires you to contribute to some of the costs, but many prefer it because of its low monthly premium rates.

What is Medicare Supplement Insurance?

Medicare Supplement insurance plans in Nebraska cover expenses left after Medicare its share for pays for services and care. Medicare Supplement plans in Nebraska pay:

  • Coinsurance
  • Copayments
  • Deductibles

The federal Medicare program consists of Parts A and Part B. Medicare Part A is generally referred to as hospital coverage, including inpatient hospital care, skilled nursing facility care and hospice care.

Medicare Part B centers on coverage for outpatient medical appointments, screenings, lab work and medically necessary supplies, for Medicare beneficiaries.

Medicare supplement plans are offered by private insurers, and they cover out-of-pocket costs. However they do not cover:

  • Prescription drugs – This would be a separate Medicare Part D plan.
  • Dental, hearing or vision – These are covered by Medicare Advantage plans (Plan C), which is different from a Medigap plan.

Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D prescription drug plans.

At MyMedigapPlans powered by PolicyGuide, we can provide you with a free quote for a Medicare supplement plan and explain the differences among all Medicare plan options.

Is Plan G the Best Medigap Plan in Nebraska?

How Much Does it Cost?

The average monthly premium cost for Plan G for a 65-year-old, nonsmoking female is $134.43 in the Omaha, Nebraska, 27604 zip code

What is the Plan G Deductible in 2021?

Plan G doesn’t have a deductible, but you will have to pay the Part B deductible, which is $203 in 2021.

What does Medigap Plan G Cover in Nebraska?

Related Topics

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Nebraska Enrollment Resources

Nebraska Enrollment Statistics

With about 1.9 million residents, Nebraska ranks 37th nationwide in population. The five most populated counties are:

Douglas
Lancaster
Sarpy
Hall
Buffalo

In 2017, roughly 15 percent of Nebraska’s population were seniors. Here’s more information about Nebraska’s seniors:

In 2018, 340,451 had Medicare.
Eighty-five percent had Original Medicare.
About 169,000 have Medigap policies.

Key Take Aways
  • In Nebraska, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Nebraska to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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